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PDF Editor FAQ

Why do Trump opponents continue to insist that his tax policy is a failure?

Because it was pitched to the American people as a means of creating jobs. That was a big fat lie; instead, most of the tax savings accruing to corporations have been spent on stock buybacks and executive pay. Not only has very little gone to the workers, but the Carrier jobs in Indiana have gone to Mexico, Harley Davidson is moving jobs to Europe and Asia, farmers are worried that Trump's tariffs will shut them out of foreign markets, the largest manufacturer of nails in the United States is laying off workers, and even General Motors won't rule out layoffs.Yet Trump's true believers still think he's the greatest thing to happen to American workers since direct deposit. I'm reminded of “When the legend becomes fact, print the legend.”

Is it legal for an employer to only offer direct deposits? Would they be able to deny a request for a paper check?

Yes, in the following states: Arizona, Indiana, Iowa, Kentucky, Louisiana, Maine, Massachusetts, Michigan, North Carolina, South Dakota, Tennessee, Texas, Utah, Washington (state) and Wisconsin. Here are some guidelines:Direct Deposit LawsDepending on state laws, employers can require their employees to receive payments via direct deposit. In some states, receiving direct deposits can even be included as a condition of employment. However, even these states have some restrictions you need to know.They include:No employer can require an employee to use direct deposit at a specific bank.Employers aren’t allowed to charge employees a fee based on payment method.Employees must have access to their pay stubs.*If an employee doesn’t have a bank account, direct deposit payments can still be made via a paycard.

Which bank account gives the highest sign up bonus on 2019?

Below is a long list of various banks that you can choose from- best of luck in choosing, and thanks for your questionWhat bank has the best signing bonus?The 6 Best Bank Bonuses of 2019HSBC Checking: Up to $750. Courtesy of HSBC. ...Citi: Up to $600. Courtesy of Citi. ...TD Bank: Up to $300. Courtesy of TD Bank. ...PNC: Up to $300. Courtesy of PNC. ...Capital One Bank: $200. Courtesy of Capital One. ...Discover Bank: Up to $200. Courtesy of Discover Bank.34 Best New Bank Account Promotions & Offers – August 2019It’s possible to make $100s just by opening up a bank account. But sorting through the best offers can be tricky.At Money Crashers, we comb through hundreds of deals every month to find you the most lucrative sign-up bonuses – some worth up to $1,000. We also rank the best high-yield checking accounts, cashback credit cards, and more.Don’t want to miss out? Here are the best bank promotions for the month of August.Top Bank Account Promotions (August 2019)1. TD Bank Beyond Checking℠ – $300 Cash BonusApply online for a new TD Bank Beyond Checking account and you’ll get a $300 cash bonus once you receive direct deposits of more than $2,500 within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online. The Beyond checking account typically includes a $25 monthly maintenance fee, but it’s waived with monthly direct deposits of $5,000 or more, a minimum daily balance of $2,500, or a combined balance of $25,000 across your eligible TD accounts.This offer is available to residents of the following states: CT, DE, DC, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA.Apply Now2. TD Bank Convenience Checking℠ – $200 Cash BonusAs an alternative to the TD Bank Beyond Checking offer above, you can apply online for a new TD Bank Convenience CheckingSMaccount, which has a much lower minimum balance requirement. You’ll get a $200 cash bonus once you receive direct deposits of more than $500 within 60 days.To qualify for this offer, you must be a U.S. resident and apply for the offer online. The Convenience Checking account typically includes a $15 monthly maintenance fee, but it’s waived if you keep a low minimum daily balance of at least $100. Students and young adults ages 17 through 23 qualify for additional perks, such as no monthly maintenance fee and no minimum balance requirements.This offer is available to residents of the following states: CT, DE, DC, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA.Apply Now3. Simple Protected Goals Account – Up to $500 Bonus With Qualifying ActivitiesEarn up to $500 when you open new Simple.com Protected Goals Accounts (Individual and Shared) by August 31, 2019, with qualifying activities – that’s a $250 bonus on each new account.Here’s how to earn the $250 bonus for each new Protected Goals Account ($250 for Individual and $250 for Shared). First, open a new Protected Goals Account by 4:59 pm PT on 8/31/19. Deposit $10,000 or more into the new Protected Goals Account by 4:59 pm PT on 9/16/19 (the deposit must post by that time). Then, maintain a balance of at least $10,000 in the new Protected Goals Account through 4:59 pm PT on 12/31/19.If you meet the bonus requirements by the specified deadlines, you’ll receive a $250 bonus per account by 4:59 pm PT on 1/14/20. To receive the bonus, each account must be open and in good standing at the time of the bonus credit. You’re limited to one $250 bonus per Protected Goals Account.Apply Now4. Chase SapphireSMChecking – $750 BonusOpen a new Chase SapphireSMChecking account with qualifying activities to earn a $750 cash bonus.Here’s how. First, open or upgrade to a Chase Sapphire Checking account at your local Chase branch or online (for new Chase checking customers only). Then, within 45 calendar days of opening your account, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts, and maintain that balance for at least 90 days. Within 10 days of completing these qualifying activities, Chase will deposit the bonus into your Chase Sapphire Checking account.This offer is not available to exist Chase Sapphire Banking or Chase Private Client customers. The Chase Sapphire Checking account’s $25 monthly service fee is waived when you maintain a $75,000 minimum daily balance across any combination of your Chase Sapphire Checking account and linked qualifying Chase checking, savings, and other balances.Apply Now5. Chase Premier Plus CheckingSM– $300 BonusTo qualify for this bonus, open a new Chase Premier Plus CheckingSMaccount and have a direct deposit (electronic transfer for a paycheck, pension or government benefits) made to the account within 60 days. (You can either apply online using the link above or enter your email on the linked page to receive the coupon to take to your local Chase branch.) Once these steps are taken, you should receive the bonus in your account within 10 business days.Keep in mind that the Premier Plus account has a monthly service fee of $25. However, the fee is waived if you keep an average daily balance of at least $15,000 between all of your Chase accounts (checking, savings, and other balances) or you set up automatic payments to your qualifying Chase mortgage. There’s no minimum required an opening deposit. All balances yield 0.01% effective as of 6/14/19. Interest rates are variable and subject to change.Chase has ATMs and branches in the following states: AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KY, LA, MA, MI, NV, NJ, NY, OH, OK, OR, TX, UT, WA, WV, WI. This offer is available nationwide, except to residents of AK, HI, and PR.Apply Now6. Chase Total Checking® – $200 BonusThere is a separate bonus offer of $200 for Chase Total Checking®, which is a step down from the Chase Premier Plus Checking account mentioned above. Open a new Chase Total Checking® account and make a qualifying direct deposit within 60 days. You’ll then receive a $200 bonus within 10 business days.There is a $12 monthly fee but it is waived if you meet at least one of the following criteria in each monthly statement period:Execute direct deposits totaling $500 or more made to the accountMaintain a $1,500 minimum daily balanceMaintain an average daily balance of $5,000 or more in qualifying linked deposits or investmentsPay at least $25 or more in qualifying checking-related services or feesTo receive this bonus, you can either apply online using the link above or enter your email here and take the coupon to a local Chase branch. Chase has ATMs and branches in the following states: AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KY, LA, MA, MI, NV, NJ, NY, OH, OK, OR, TX, UT, WA, WV, WI. This offer is available online nationwide, except to residents of AK, HI, and PR.Apply Now7. Chase SavingsSM– $150 BonusYou can earn an additional bonus of $150 with a Chase savings account. Open a new Chase SavingsSMaccount, deposit at least $10,000 within 20 business days and maintain a $10,000 balance or more for 90 days from when the deposit was made. You’ll then receive a $150 bonus within 10 business days.You can avoid the $5 monthly maintenance fee on this account by doing one of the following each monthly statement period:Maintaining a minimum daily balance of at least $300Executing at least one repeating automatic transfer of $25 or more from your personal Chase checking account or Chase Liquid® CardHaving at least one account owner who is an individual younger than 18Linking the account to an eligible Chase Premier Plus Checking, Chase Sapphire Checking, or Chase Private Client Checking accountTo receive this bonus, you can either apply online using the link above or enter your email here and take the coupon to a local Chase branch. Chase has ATMs and branches in the following states: AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KY, LA, MA, MI, NV, NJ, NY, OH, OK, OR, TX, UT, WA, WV, WI. This offer is available online nationwide, except to residents of AK, HI, and PR.Apply Now8. Chase Total Business Checking – $200 BonusIf you’re a business owner looking to set up a new account, Chase has you covered as well. Open a new Chase Total Business Checking account with a deposit of at least $1,000 within 20 business days. Then, maintain that balance for 60 days and complete at least 5 qualifying transactions within the same time period (debit card purchases, checks paid, and qualifying deposits). You’ll then receive the $200 bonus within 10 business days.To receive this bonus, you’ll need to enter your email here and take the coupon to a local Chase branch. Chase has ATMs and branches in the following states: AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KY, LA, MA, MI, NV, NJ, NY, OH, OK, OR, TX, UT, WA, WV, WI. This offer expires on October 17, 2019.Apply Now9. Chase College Checking – $100 BonusThere’s a separate checking account offer just for college students. Open a new Chase College Checking account within an initial deposit of at least $25, enroll in paperless statements, and then complete at least 10 qualifying transactions within 60 days of opening the account. You’ll then be eligible to earn the $100 bonus within 10 business days.To receive this bonus, you’ll need to enter your email here and take the coupon to a local Chase branch. Chase has ATMs and branches in the following states: AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KY, LA, MA, MI, NV, NJ, NY, OH, OK, OR, TX, UT, WA, WV, WI. This offer expires on October 18, 2019.Apply Now10. Capital One 360 – Up to $150 Cash BonusThis offer is made up of 3 components, which you can perform separately or as a combination.Open a new Capital One 360 Checking account with at least $250 and make at least 3 debit card purchases or Person2Person payments (can be any combination of the two) within 45 days of account opening. Your $25 bonus will then be deposited into your account on day 50.Open a new Capital One 360 Money Market account. If you deposit $250 to $9,999.99, you’ll get a $25 bonus. If you deposit $10,000 or more, you’ll get a $100 bonus, which will automatically be deposited into your account.Open a new Capital One 360 Saving account with an initial deposit of at least $250. Your $25 bonus will then automatically be deposited into your account.The total cash bonus amount is up to $150, depending on which account you open and how much you deposit for the Money Market account.Apply Now11. Wells Fargo Everyday Checking – $400 Cash BonusOpen a new Wells Fargo Everyday Checking account online or in-branch by November 27, 2019, to qualify for a cash bonus of $400. Here’s how to do it:First, check that the offer is available in your area using the ZIP code finder on the promotions page.Then, open a new Wells Fargo Everyday Checking account online or in-branch and make the minimum required an opening deposit of $25.Next, within 150 days of account opening, receive cumulative direct deposits totaling $3,000 or more each month for three consecutive monthsOnce you meet at least one of these requirements, you’ll receive a $400 cash bonus in your account within 45 days. Your account must remain open to receive the bonus.Note that qualifying direct deposits include salary, pension, Social Security, and other qualifying income. Direct deposits must be electronically deposited via ACH. Your account must have a balance of at least $1 during the entire qualification period.You can avoid the Everyday Checking account’s $10 monthly maintenance fee by doing any of the following:Maintaining a minimum daily balance of $1,500Completing 10 or more debit card transactions per monthExecuting direct deposits totaling $500 or more per monthIf you currently have an open Wells Fargo consumer checking account or have earned any other Wells Fargo checking account bonus within the past 12 months, you’re not eligible for this offer.Apply Now12. PNC Bank – Up to $300 Cash BonusPNC is offering two separate bonus opportunities, worth up to $300 when you open a new PNC Bank Virtual Wallet account:To earn the $200 cash bonus, open a new Virtual Wallet with Performance Spend and arrange total qualifying direct deposits of at least $2,000 to your account. Then, make at least 10 debit card purchases with the debit card tied to your account. You’ll receive the $200 bonus in your account within 90 days of meeting all conditions.To earn the $300 cash bonus, open a new Virtual Wallet with Performance Select and arrange total qualifying direct deposits of at least $5,000 to your account. Then, complete at least 10 debit card purchases with the debit card linked to your new account. The bonus should be paid within 90 days of meeting the requirements.These cash bonus offers to expire on September 30, 2019.This offer applies to residents of the following states: AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI & WV.Apply Now13. HSBC Premier Checking – $750 Cash BackFor a limited time, you can snag a $750 welcome bonus when you open a new HSBC Premier Checking account and complete certain qualifying activities.To earn the bonus, open your new Premier Checking account by December 31, 2019, and set up recurring monthly third-party direct deposits totaling at least $5,000 to your HSBC Premier checking account(s) per calendar month. You’ll also need to receive recurring third-party direct deposits totaling at least $5,000 per month for 3 consecutive months beginning with your account opening month. Once you complete these qualifying activities, expect to see your $750 bonus in your Premier Checking account within 8 weeks.Moving forward, avoid the $50 monthly maintenance fee by maintaining the same direct deposit size and frequency or maintaining a combined minimum balance of $75,000 across all eligible personal and investment accounts.Apply Now14. Capital One 360 Money Market – $500 Cash BonusWhen you open a new Capital One 360 Money Market account and complete qualifying activities, you’ll earn a $500 cash bonus. While this bonus opportunity was set to expire on July 31, 2019, it remains active for a limited time – through Capital One could choose to alter or discontinue it at any time.To qualify for the bonus, open a Capital One 360 Money Market account using the promo code “SPREE500” and deposit at least $50,000 or more in new money from an external bank within 10 days of account opening. Maintain a minimum daily balance of $50,000 for 90 days. Capital One will deposit your $500 bonus within 60 days after the 90-day mark, provided your account remains open and in good standing.A yield of 2.00% APY applies to accounts with balances of $10,000 or more. Accounts with balances less than $10,000 yield 0.85% APY. This offer is not available to applicants who have or have had a Capital One savings product after January 1, 2016.Apply Now15. Discover Cashback Checking – Up to $360 Annual Cash BackWhen you open a new Cashback Checking account, you can earn as much as $360 each account anniversary year (12 billing cycles beginning with the cycle in which you open your account).Just open and fund the account in any amount, then use your debit card to make everyday purchases. You earn 1% cash back on up to $3,000 in qualifying purchases per month or up to $36,000 in qualifying purchases per year. Cash-like payments, such as ATM withdrawals and P2P payments, do not qualify for cashback.For more details on other account types and offers from Discover Bank, check out our Discover Bank review.Apply Now16. HSBC Advance Checking – $350 Cash BackOpen a new HSBC Advance Checking account and deposit at least $5,000 in new money to earn a $350 welcome bonus.Here’s how to do it. First, open your account by December 31, 2019, and deposit at least $10,000 in outside funds (new money) in combined checking and savings accounts within 30 days of your account opening date. Then, set up at least one recurring monthly direct deposit from a qualifying third-party payee for at least 3 consecutive months while maintaining a daily balance of at least $5,000 in the accounts for 90 calendar days from the deposit date. You’ll receive your bonus within 8 weeks after completing the qualifying activities.Moving forward, you can avoid the $25 monthly maintenance fee by maintaining a $5,000 daily balance and a recurring direct deposit into the account.Apply Now17. Citibank Account Package – Up to $500 Cash BonusWhen you open a new eligible checking and savings account in the Citibank Account Package by September 30, 2019, you could qualify for a cash bonus up to $500. Here’s how to earn the bonus:Within 30 days of opening your account, deposit at least $15,000 in new money (funds not previously held with Citibank or its affiliates) into your account.Maintain a $15,000 minimum balance for at least 60 consecutive calendar days. This qualifies you for a $400 cash bonus, which you’ll receive within 90 days of completing all required activities if you do nothing more.To earn an additional $100 bonus (for a total cash bonus of $500), arrange and complete at least one qualifying direct deposit per month for 2 consecutive months within 60 days of account opening.You’ll receive your cumulative bonus within 90 days of completing all required activities.The $25 monthly maintenance fee is waived when you maintain a minimum daily balance (average) of at least $10,000. This offer is available to new Citibank account holders only.Apply Now18. Citibank Priority Account Package – $600 Cash BonusCitibank has another generous account opening offer for new customers, though it requires a hefty initial deposit.When you open a new eligible checking and savings account in the Citibank Priority Account Package by September 30, 2019, you could qualify for a cash bonus of $600. Here’s how to earn the bonus:Within 30 days of opening your account, deposit at least $50,000 in new money (funds not previously held with Citibank or its affiliates) into your checking and savings accounts (cumulative).Maintain a that cumulative $50,000 minimum balance in your checking and savings accounts for at least 60 consecutive calendar days.You’ll receive the bonus within 90 days of completing all required activities.The $30 monthly maintenance fee is waived when you maintain a minimum daily balance (average) of at least $50,000. This offer is available to new Citibank account holders only.Apply Now19. Marcus by Goldman Sachs – 1% Deposit Bonus (Up to $500)New and existing Marcus by Goldman Sachs accountholders may qualify for a 1% bonus on new money deposits, up to $50,000 in total deposits and $500 total bonus cash. Qualifying deposits must be new money – internal transfers don’t count.To qualify for this bonus, open a Marcus Online Savings Account (if you haven’t already) and manually enroll in the offer on Marcus by Goldman Sachs’ website. Then, during the 10-day enrollment period, deposit at least $1,000 in new money. The total of all deposits made during this period is your Enrollment Account Balance.Following the end of the 10-day enrollment period, maintain your full Enrollment Account Balance for 90 consecutive days (the Maintenance Period). If your account is open and good standing at the end of the Maintenance Period, you’ll receive 1% of the total Enrollment Account Balance (up to $500) within 14 business days.All balances held in the Marcus Online Savings Account yield 2.15% APY. This offer is not available to new or existing Marcus customers currently enrolled in another bonus offer.Apply Now20. SunTrust Bank Advantage Checking – $300 Cash BonusNew customers can take “advantage” of a $300 cash bonus opportunity when they open a new Suntrust Advantage Checking account and complete the qualifying activities.Here’s how to earn the bonus. First, open a new SunTrust Advantage Checking account by September 30, 2019, with a minimum opening deposit of $100, using the offer code “Q319ADVCHKOL.” Then, complete at least $3,000 in cumulative direct deposits each statement cycle for two consecutive statement cycles within the first three full monthly statement cycles. Qualifying direct deposits include wage or salary, pension, Social Security, or other regular monthly income.Once you complete the offer requirements, you’ll receive your $300 bonus within eight weeks.This offer applies to new SunTrust checking customers (defined as customers without existing accounts or accounts closed within the past 180 days) living in states in which SunTrust Bank has a physical presence, including AL, AR, FL, GA, MD, MS, NC, SC, TN, VA, DC & WV. Check SunTrust Bank’s website for availability in your area.Apply Now21. Bank of America – Up to $300 BonusBank of America has two great account opening promotions that could net you up to $300 in bonus cash. Here’s how they work$300 BonusTo qualify for $300 in bonus cash, open a Bank of America AdvantageSafeBalance Banking, Advantage Plus Banking, or Advantage Relationship Banking account by August 31, 2019, using the link above. Then, deposit at least $4,000 in new money within 90 days. Once you complete this qualifying activity, you’ll receive $300 in bonus cash in your account within 60 days.This offer is only available to new Bank of America checking customers who have not had a Bank of America personal checking account within the past 6 months. There is a $25 minimum deposit to open a SafeBalance Banking account and a $100 minimum deposit to open the other two accounts.Moving forward, here’s how to avoid monthly maintenance fees on these accounts:Avoid the $4.95 monthly fee on Advantage SafeBalance Banking as a student under age 24 or by meeting Bank of America’s Preferred Rewards enrollment requirements.Avoid the $12 monthly fee on Advantage Plus Banking in any statement cycle during which you receive at least one direct deposit of $250 or more or maintain a $1,500 minimum daily balance.Avoid the $25 monthly fee on Advantage Relationship Banking in any statement cycling during which you maintain a $10,000 minimum combined balance across eligible Bank of America and Merrill Lynch accounts.Apply Now$100 BonusIf you can’t swing $4,000 in new money on short notice, opt for the $100 bonus instead. It’s good for longer and requires no non-payroll new money deposit.To qualify, open a Bank of America AdvantageSafeBalance Banking, Advantage Plus Banking, or Advantage Relationship Banking account by December 31, 2019, and receive at least 2 qualifying direct deposits of $250 or more within the first 90 days to earn a $100 cash bonus. You must use the link above to open your account.Once you complete the qualifying direct deposits, you’ll receive the bonus within 90 days. Like the $300 bonus, this offer is only available to new Bank of America checking customers who have not had a Bank of America personal checking account within the past 6 months. Minimum deposit requirements, maintenance fees, and maintenance fee waivers all apply.Apply Now22. BMO Harris – Up to $250 Cash BonusIf you’re a Bank At Work or Group Banking Services customer at BMO Harris, you can earn as much as $250. When you open a new personal checking account and meet the direct deposit requirements, you’ll receive $100. You get an additional $50 by opening a new Statement Savings Account with at least $1,000 of new money. Another $50 comes your way when open a new BMO Harris Health Savings Account. And you can add $50 by signing up for eStatements.You should receive your bonuses between 90 and 120 days of either account opening or meeting the requirements.Apply Now23. Elements Financial – $200 Cash BonusOpen a new Elements Financial High-Interest Checking account to qualify for a $200 cash bonus. Just enter promo code CHECK200 on your application, set up a recurring monthly direct deposit of $500 or more within 60 days of account opening, and keep your account open for at least 6 months. Existing Elements Financial checking and Health Savings Account customers are not eligible for this promotion. This offer is advertised for Indiana state government employees in their families, but non-employees may qualify as well.In addition to this promotion, you’ll also get one of the best checking yields around: 2.00% APY on balances up to $20,000 in any statement cycle during which you maintain a $100 minimum daily balance and make 15 qualifying transactions.Apply Now24. Citibank Basic Banking Package – $200 Cash BonusCitibank’s third new account promotion is it's most modest. When you open a new eligible checking account in the Basic Banking Package by September 30, 2019, you could qualify for a $200 cash bonus. Here’s how:Within 30 days of opening your account, deposit at least $5,000 in new money into your account.Maintain a $5,000 minimum balance for at least 60 consecutive calendar days.You’ll receive the $200 bonus within 90 days of completing all required activities.The $12 monthly maintenance fee is waived when you either:Receive at least one qualifying direct deposit per statement period and make at least one qualifying bill payment per statement period, orMaintain at least $1,500 in combined average monthly balances in eligible linked accounts.This offer is available to new Citibank account holders only.Apply Now25. BB&T Bright Banking Checking – $200 Cash BonusBB&T has another account opening bonus that, though less generous, is far easier to attain. Open a new BB&T Bright Banking® checking account by August 8, 2019, and complete one of the following qualifying activities within 75 days of your account opening date.Enroll in direct deposit and receive at least two direct deposits of $100 or moreActivate U by BB&T® bill pay and use it to initiate three online payments of at least $25 eachYou should receive your bonus within four weeks of completing these qualifying activities. You can avoid the $12 monthly maintenance fee in any statement period when you do one of the following:Receive at least one direct deposit of $500 or greaterMaintain an average daily balance of at least $1,500This offer is not available in PA or NJ.Apply Now26. Xceed Financial Credit Union – Up to $200 Referral BonusWhen you refer an eligible new customer to Xceed Financial Credit Union, you and the referred customer may be eligible to receive up to $200 each.New Member EligibilityAlthough Xceed Financial Credit Union’s branch coverage is limited to a handful of states, including New York and California, it’s easy for new members to join. You’re eligible to join if:You belong to any of Xceed’s nonprofit partner organizations, including Heal the Bay and Buffalo ZooYou currently work for or retired from work with any of Xceed’s dozens of for-profit partnersYou live in one of the communities directly served by Xceed$100 or $200 Bonus for Referring MembersTo qualify for the $100 referring member bonus, use the official bankingworthsharing.com referral website to submit your referral.If the referred customer opens a new Xceed Signature Checking account by December 31, 2019, and completes the qualification requirements described below, you’ll receive your $100 referring member bonus within 30 days after the referred member’s account has been open and in good standing for at least 90 days. If you meet the following requirements, you’ll receive an additional $100 bonus, for a total referring member bonus of $200:Have an active Xceed Visa® debit cardSign up for online statementsSign up for overdraft protectionReceive recurring direct ACH payroll deposits totaling at least $500 per month in an Xceed Signature checking account$200 Bonus for Referred MembersNew referred members qualify for a $200 bonus when they complete the following qualifying steps:Open a new Xceed Visa® Platinum debit cardSign up for online statementsSign up for overdraft protectionReceive at least two recurring direct ACH payroll deposits totaling at least $500 per month their new account within 90 days of account openingMaintain their new account in good standing for at least 90 daysAfter taking all required qualifying steps, the newly-referred member receives the $200 bonus within 30 days. There’s no limit to the number of referrals you can make or the total number of referred customers who can sign up using your referral.Apply Now27. Discover Savings – Up to $200 BonusDiscover Bank has two distinct offers for new savings account customers.$200 BonusThis is an attractive cash bonus offer for customers with funds sufficient to meet the hefty opening deposit requirement. To qualify, use the promo code “OBE819” to open your first Discover online savings account by September 9, 2019. Then, deposit at least $25,000 in new money by September 23, 2019. You’ll receive the $200 bonus by October 7, 2019.This offer is not available to anyone who’s previously had a Discover savings account. Your account must be open on the date you receive the bonus (at least through October 7, 2019).Apply Now$150 BonusThis savings offer is slightly easier to attain. Use the promo code “OBE819” to open your first Discover online savings account by September 9, 2019. Then, deposit at least $15,000 in new money by September 23, 2019. You’ll receive the $150 bonus by September 2, 2019.This offer can’t be combined with the $200 bonus offer and isn’t available to previous Discover savings account customers. Your account must be open through October 7, 2019, to receive the bonus.Apply Now28. Discover Cashback Debit – Cashback Match Up to $30 Per MonthDiscover Bank has a separate spending account promotion that’s definitely worth investigating. When you open your first Discover Cashback Debit account and spend up to $3,000 per month, Discover will match cash back earned on that spending through December 31, 2019. At a rate of 1% cashback, that’s a match of up to $30 per month, or $150 total if you open in August.You’ll receive all cash back earned during the promotional period by March 5, 2020. Once the match promotion ends, you’ll continue to earn 1% cash back on up to $3,000 spent each month, for a monthly cashback opportunity of up to $30.Apply Now29. Unify Financial Credit Union – Up to $150 BonusOpen a new checking account with Unify Financial Credit Union (excluding the Right Start Checking and Right Start Debit accounts) and complete the requirements to earn a cash bonus of up to $150. Here’s how:To earn a $50 cash bonus, simply open a qualifying new account with the minimum opening deposit and keep it open for at least 30 days. You’ll receive the bonus during your second statement cycle.Receive a further $50 cash bonus by establishing a recurring direct deposit of at least $500 per month within 60 days of account opening. You’ll receive the bonus during the following statement cycle.Receive the final $50 cash bonus by earning a $1 bonus for each Unify debit card transaction greater than $5 within 60 days of account opening (maximum 50 eligible transactions). You’ll receive the bonus in the following statement cycle.This offer expires on December 31, 2019.Both accounts require a $25 minimum opening deposit, and applicants must be Unify Financial Credit Union members. Membership requirements vary by location, by any U.S. individual can become a Unity member when they join the Surfrider Foundation at no charge.Apply Now30. Regions Bank – Up to $100 Cash Bonus Each YearOpen a new checking account at Regions Bank, either online or at a branch. Then open a Regions LifeGreen Savings Account with an opening deposit of $50 or more. Then, set up a recurring monthly transfer of $10 or more from your Regions checking account to your LifeGreen Savings Account and complete at least 12 monthly transfers. Every year, you’ll receive a 1% savings bonus on your account anniversary date, based on your account’s average monthly balance for the preceding 12 months, up to the max annual savings bonus of $100. Your bonus should be deposited into your account on the business day following your anniversary date.Apply Now31. Charles Schwab – $100 Cash Referral BonusOpen a new qualifying Charles Schwab account with a qualifying referral from an existing Schwab client to earn a $100 bonus.To qualify, simply ask a friend or family member with a Schwab account to send you their unique referral code. Then, use the code to open a new Schwab account with no minimum deposit. You should receive your $100 bonus within 30 days. Monthly fees may apply.Apply Now32. BBVA Money Market Account – $100 BonusOpen a new BBVA Money Market account with a $25 minimum opening deposit and bring your total account balance to at least $10,000 by August 31, 2019. If your account balance is at least $10,000 on November 31, 2019, you’ll receive a $100 bonus within 90 days of completing the requirement.This bonus isn’t available to BBVA customers who’ve earned a banking bonus within the past 12 months. To avoid the $15 monthly service charge, you must either maintain a minimum balance of $10,000 or complete a monthly recurring direct deposit of $25 or more from a BBVA checking account into your BBVA Money Market account. This offer may not be available to customers in CA, TX, FL, AZ, AL, HI, and AK.Apply Now33. Citizens Bank – $1,000 Bonus for College SavingsCitizens Bank is currently offering a $1,000 bonus for those who sign up for a CollegeSaver savings account, an easy, manageable savings plan that will help you meet your college savings needs. It is an interest-bearing account, and if you open it before your child’s 12th birthday and save the monthly minimum amount every year, you’ll receive a $1,000 bonus when your child turns 18. Opening an account before your child turns 12 will only increase the savings.Apply Now34. BankDirect – AAdvantage MilesOpen a BankDirect Mileage Checking Account and earn American Airlines AAdvantage miles. You’ll receive 1,000 miles just for opening an account, 10,000 miles for initiating direct deposit, 5,000 miles for using BankDirect’s bill pay service for 1 year, 5,000 miles when you use your BankDirect Visa CheckCard (debit card) to make at least 12 transactions totaling $500 or more each month for 6 consecutive statement cycles, and 1,000 miles for referring a friend.There are other ways to earn miles as well, and some restrictions apply. Be sure to investigate the offer thoroughly for full program details. You can read our BankDirect review for more details about this and other offers, too.Apply NowFinal WordWhen choosing a bank, it’s important to find one that suits your needs – whether that’s favorable interest-bearing accounts, no fees, or online banking features. It’s also a big bonus when you can get great perks along with good banking. Be on the lookout for and take advantage of cash and giveaways, and your banking experience will be all the more pleasurable.Brian Martucci

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